How do you tell or know if a debt consolidation company is legitimate?

I have been to consumer credit counseling and they advised me to file for bankruptcy. I could lose my job if I do this. Several debt companies have been contacting me saying they can help me (then why couldn’t the CCCS?). Anyway, I have told the credit card companies that I’ve been advised to file for bankruptcy, but NONE will work with me. Don’t understand why I have to go through a third party and pay them. I am just afraid of getting ripped off by one of these places. There were some that were ruining people and these people had wished they had filed for bankruptcy instead of using the debt company.

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